For 2025, the USDA loan limit in Newark, within Alameda county, CA, is $776,600, whereas the FHA limit for a single-family dwelling is $1,089,300.
Utilize Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and learn the income, credit, reserves, and documentation needed for eligibility. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side to help you determine the optimal program for your financial needs in
Evaluate offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The primary aim of Lendersa® is to facilitate access to the best USDA or FHA loan with ease and speed. Choose one of three starting points to connect with compatible lenders and suitable USDA loan programs.
A USDA home loan, synonymous with the USDA rural development loan or USDA mortgage, is underpinned by the Department of Agriculture and exclusively accessible in rural areas. Uniquely, these loans require no down payment, contrasting with FHA loans, which mandate at least a 3.5% down payment, offering a significant advantage for eligible buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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